California Long Term Disability

Business Owners, CEOs, Financial Officers and Other Professionals Holding Own Occupation Long Term Disability Insurance in California

Business owners, manager, and executives that find themselves unable to work are often faced with an exceptional burden of proving their disability.  Unlike other professions, managerial positions require performance of a wide-range of duties as well as the responsibility to manage staff, interact with clients, and maintain production levels.  When a disabling physical illness or …

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California System Administrators, Internet Technology and Data Analysts

Technology continues to evolve disability insurance claims for computer and data professionals.  From migraine headaches to carpal tunnel syndrome, a wide range of injuries qualify for Long Term Disability insurance benefits under private insurance policies.  Technology professionals who have Own Occupation insurance policies are often challenged by insurance companies about their ability to perform some, …

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Help for Disabled Doctors, Dentists and Healthcare Professionals

Medical practitioners in the State of California are deemed totally disabled under the Any Occupation standard if he or she cannot perform the material duties of any occupation consistent with his education, training and/or experience.  This means if you are a dentist and are able to perform routine examinations, but unable to perform more complicated …

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California Long Term Disability Lawyer

Are you a California Long Term Disability insurance claimant suffering from disabling conditions that affect the performance of your work duties?  Although California law prohibits insurers from underpaying or under-settling Long Term Disability insurance claims unfairly, many claimants are denied, underpaid, or determined “partially-disabled,” resulting in losses and damages beyond the policy benefits. Bourhis Law …

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Coronavirus (Covid-19) and Disability Insurance

Fears of the Corona Virus have sent global economies and stock markets into a tailspin. Many of those affected have responded by seeking medical testing and treatment. Others are avoiding the spread by “self-isolating.” A third category of individuals is being mandatorily quarantined. The ultimate outcome is, of course, uncertain. Some predict that in a …

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What Forbes Missed on Coronavirus and People with Disabilities

There is a very good article that appeared in forbes.com entitled  5 Things to know about coronavirus and people with disabilities. The 5 points of this article are, 1. That people with a disability may experience a higher level of anxiety due to the Coronavirus and that the anxiety poses risks of its own. 2. That it …

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Thinking of Selling Your Practice?

We have found through our experience, often Doctors and Dentists with health issues, work through those issues until at some point they feel they can no longer work with the pain. They work through the pain to keep their practice strong and valuable in order to sell the practice. There are a few variables to …

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Why First Responders Fire Fighters, ER Physicians and Nurses Should Read Their Long Term Disability Policies Carefully

First responders, such as firefighters, nurses, and doctors often have Long Term Disability Insurance included with a benefit package through their employer. Although people usually think this is a nice benefit, it most likely has significant limitations. If your disability insurance is part of a group policy, it may be governed by the Employee Retirement …

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Athletes, Doctors, Engineers, Executives, and Financial Advisors before purchasing long-term disability insurance. READ THIS.

Doctors, dentists, investment advisers, athletes, entertainers, CPAs, company executives, business owners and all other high income earning individuals, make sure you know what you’re getting, and that you’re getting what you’re paying for. Here are some important questions to ask: How much are the monthly benefits being offered and for how many months? Is there …

Athletes, Doctors, Engineers, Executives, and Financial Advisors before purchasing long-term disability insurance. READ THIS. Read More »

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